 Well, there are two lies there, actually. The one lie is I'm always going to be comfortable with the risk level that I'm at. That is kind of a half-truth because if you're not monitoring your risk, I mean, we just talked about that earlier in the segment. Risk mitigation is probably the number one thing that we do in addition to other retirement planning. So you want to make sure that you're managing risk. Definitely, the truth there is it's never too early to begin planning for retirement.